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Lost money
My son paid off a castle community bankloan of 12500.00 on their site as discussed with them on the phone. A month later he received a statement with no 12500.00 deduction. Following that up we rang them and they said they didn't receive it. They looked into it and thought it had been paid to community finance who are…
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How far back can I see my credit file?
Hi, I am trying to claim back PCP from 2011 and 12. I have no bank statements or policy number from that time. the Financial Ombudman help line has told me I need to prove I was a customer and I could do this by showing I took out the finance with Toyota Financial Services (UK) Ltd in 2011. Is this possible? Thank you
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MBNA Personal Loan management
Hello all, I have a loan term personal loan with MBNA with an outstanding balance amount of £6,700 and 32 months left to complete. i am paying approx £20 each month for interest and around £217 each month for the repayment. i would like options to minimise the interest payments each month and perhaps alternative ways to…
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Car personal loan settlement figure - rebate calculation based in March 2025
Hi all, I am scratching my head with this one. I have a HP agreement with Santander consumer finance. I took a 5 year aggrement with them but can pay off the remaining amount after 6 months. I requested the settlement figure but on it it says that the rebate calculation are based on a rebate date of 28 March 2025. I want…
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Affordability checks for a home improvement loan
Hi there I'm looking to take out a home improvement loan (loft extension) and wondered what the bank will be looking at as I'm both employed and self-employed. In your experience, do they typically require a full tax return to be submitted, or is it just the three months' worth of bank statements/pay checks. Thanks!
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Overpayment on Admiral Loan
Hello, I have been offered a loan of £7,000 over 4 years @ £195 p/m 16.4% APR (for debt consolidation). The total repayment over 48 months would be £9389. Start date: February 2025 End Date: February 2029 If I was able to repay abit more each month for a small time, say £220 would this reduce the overtime of the loan and…
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barclays bounce back loan help
my husband took out a bbl during covid as a sole trader. we have been paying the loan back, although my husband stopped working jan 24 as he has cancer.so there is no business anymore. I have been helping with the repayments but now i have to give up work to become his carer. we will be on UC in 4 weeks time. Is there…
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Help - personal loan & financial hardship
Hi - I just wanted some advice really as I’ve never been in this position before. So I’ve had a personal loan for a few years now, there’s around £7,700 remaining and in approximately May 2024 my loan repayments were reduced due to me only working part time following having a baby. This was reassessed again in November…
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Private loan interest rate
Hello, One friend made a private loan to another a couple of months back. They agreed for it to be interested free if it was paid back by 31st January. They signed a very basic agreement which they drafted with help of ChatGTP. The agreement included: Any outstanding balance to the loan remaining after 31st January 2025,…
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purchase a car which is best loan with low rate
a friend just passed her driving test and want get a car but not new one and want to know which best loan via car dealership or bank or building society and is this how long take the loan
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Arrangement fee refund
If I paid the arrange fee for a mortgage but then do not take the mortgage out should I get a refund on the fee? I can’t find terms and conditions surrounding it on the NatWest website
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Cost more to settle loan early than pay over remaining period??
Hi everyone Hoping someone can provide me some advice. My husband has a loan with Sainsbury's Bank which we have a couple of years left on and and were looking to settle it early. On calling Sainsbury's, they stated that the remaining value on the loan was £17,799.52, and the final settlement figure is £18,192.14, meaning…
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Early Repayment Question
Not quite a loan question but many years ago my husband and I owned a company that went under owing an £18000 guarantee to Nat West Bank (it was our agreed overdraft). I have paid back £100 a month since then. The £100 is paid to a company called Drydens and only one payment has ever been missed, that was years ago. Twice…
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Loan against our existing mortgage
We took a loan against our mortgage which is a 2nd charge. We're struggling to pay now. Can we add the outstanding amount to the mortgage so in the event of sale or demise it is paid off. Would appreciate a reply from people who've experienced this. Thanks in advance
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Unsatisfied service received via 3rd party finance
I was made redundant about a year and a half and to get back to a role, I have been trying to upskill myself. I enrolled a IT training provider in last year May for a 2 weeks course with intership and placement assistance. I chose this place as this has offered the training and work experience for UK and not taken it from…
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BNPl with ao.com
Hi there everyone I'm at my lowest point of life I purchased a Samsung s24 from ao.com and they sent me a wrong phone I took pictures of the iPhone 15 they sent I got it on BNPL they are insisting they sent the correct phone they won't refund the finance company newday finance company until they receive the phone back…
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M&S loan overpayment query
Hi all, Can anyone with experience of M&S bank or industry norms explain whether the following is expected: Took out a 10k loan for a car from M&S bank at 6.2%, total circa 11,100 hit my credit score, ie all capital + interest that would be charged. I've overpaid 5,000 back from savings on mid November before the first…
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Unable to get credit of any sort from Barclays only
Hi. Slightly odd one this and not sure if anyone can help me. My credit file is almost spotless, I have quite a lot of credit but have never missed a credit payment. I did miss a water bill 4 years ago though so have 1 missed payment there. I have no problems getting credit from anyone except Barclays. I used to be self…
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Pension loan
Advice needed. I am public servant on a defined benefit pension. I plan to retire in 4 years time when I reach state pension age. I have paid off my mortgage. I want to borrow £72k against my pension lump sum. I intend to make monthly payments of £500, and pay off the balance when I retire. Is there such a product on the…
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I need help to borrow £15000 with no monthly payments. Pay back when house is sold
Is it possible to borrow £15000 for approximately 6 months until house is sold, with no monthly payments. I spent 2.5 hours on Halifax chat and finally got offered a minimum of £25000 mortgage. The words 'sledgehammer to crack a nut' spring to mind. Can anyone give me some advice please?
